A formal essay should be serious: it should rather inform than amuse, and therefore it would not typically be witty or funny.
What it should be is structured. a structured essay would help its function of informing and presenting information, which would be a typical function of such an essay.
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Answer:
In a town
Explanation:
Because there are places of worship and of course, towns have schools too. There are fewer people and therefore more miniature houses which is safer.
There is no passage and answer choices, so it is impossible to answer this question. I apologise.